The Hartford vs 
USI Insurance Services Crime Insurance
The Hartford packages crime in Private Choice Premier and financial-institutions fidelity; USI brokers crime for service trades and reviews it in ExecuSafe.
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 1,2,3
What Is USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. 5,6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 10
Key Differences in Crime Insurance
Package Option Versus Broker Placement
The Hartford’s crime coverage is one of five Private Choice Premier options and is also offered as bond and commercial crime (fidelity) within its financial-institutions product track. USI brokers crime insurance covering losses from employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe, and neither USI page names the issuing insurer. 4 8 9
Who Each Practice Names
The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies. USI’s Business Services practice, which lists crime, says it targets building and maintenance, repair service, janitorial, staffing and printing companies. 4 8
Coverage Description and Extra Work
The Hartford describes employee theft, forgery or robbery, with a cash-register example. USI lists crime among coverages it places and says ExecuSafe checks existing crime coverage for gaps, with classification and exposure reviews, claim advocacy and risk control across Business Services lines. USI directs business-services inquiries to a published email inbox or a local office, and ExecuSafe inquiries to a Select Business inbox. USI’s pages do not publish crime limits or retentions. 4 8 9
What to Confirm in Crime Insurance Quotes
- Ask The Hartford which product track the crime quote sits on. 4
- Ask USI for the issuing insurer and whether ExecuSafe is part of the engagement. 8 9
- Compare how each quote describes theft, forgery and related fraud against The Hartford’s cash-register example and USI’s employee-theft description. 4 8
- Get limits and retentions from USI; its reviewed pages leave those figures off. 8
Offering Details
The Hartford vs USI Insurance Services Crime Insurance: documented features by provider
| Criteria | The Hartford Crime Insurance | USI Crime Insurance Brokerage |
|---|---|---|
| Role in This Line | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 4Company-reported. Management liability product page as read 2026-09-23. | USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. 8,9Company-reported. Business Services catalogue and ExecuSafe article. |
| Issuing Insurer | Not described in the reviewed sources. | Neither page names the insurer USI uses for crime placements. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| Who It’s For | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 4Company-reported. Management liability product page as read 2026-09-23. | USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. 8Company-reported. Company description of client base. |
| Coverage Features | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 4Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. | USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. 8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | Neither page publishes crime coverage limit or retention figures. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. 8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | Not described in the reviewed sources. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 8,9Company-reported. Contact instructions on each page. |
Full Comparison
More The Hartford vs USI Insurance Services Comparisons
Other Crime Insurance Comparisons
Sources
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Crime... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
